AAVAS FinanciersNSE:AAVAS -0.16%81 Pretax Margin % is 36.80% as of Mar. 2026, which is 2% below its 10-year median of 37.42. GuruFocus rates NSE:AAVAS with a GF Score™ of 81/100 and a GF Value™ of ₹2,155.44 (Possible Value Trap). The stock has 5 warning signs investors should review. Among 1,528 Banks companies, AAVAS Financiers ranks better than 50.98% on this metric.
The pretax margin, as know as pretax profit margin, is widely used to measure the operating efficiency of a company before deducting taxes.
The pretax margin is sometimes preferred over the net margin as tax expenditures can make profitability comparisons between companies misleading.
It is a useful tool to compare companies operating in the same sector and less effective when comparing companies from other sectors as each industry generally has different operating expenses and sales patterns.
The long term trend of the pretax margin is a good indicator of the competitiveness and health of the business.
AAVAS Financiers Pretax Margin % Related Terms
AAVAS Financiers Pretax Margin % Historical Data
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The historical data trend for AAVAS Financiers's Pretax Margin % can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
NSE:AAVAS vs RKT, FNMA, PFSI: Pretax Margin % Comparison
For the Mortgage Finance subindustry, AAVAS Financiers's Pretax Margin %, along with its competitors' market caps and Pretax Margin % data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
AAVAS Financiers Pretax Margin % vs Banks Industry
For the Banks industry and Financial Services sector, AAVAS Financiers's Pretax Margin % distribution charts can be found below:
* The bar in red indicates where AAVAS Financiers's Pretax Margin % falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
AAVAS Financiers (NSE:AAVAS) has a Pretax Margin % of 36.80% as of Mar. 2026. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AAVAS Financiers and its competitors. This is near median its historical median of 37.42. Over the past decade, AAVAS Financiers' Pretax Margin % has ranged from 29.68 to 44.02. According to the industry distribution chart, AAVAS Financiers ranks #749 out of 1528 companies in the Banks industry, placing it in the top 49%.
Is AAVAS Financiers' Pretax Margin % too high?
AAVAS Financiers' current Pretax Margin % of 36.80% is near median its 10-year median of 37.42. Over the past 10 years, this metric has ranged from a low of 29.68 to a high of 44.02. The Banks industry median Pretax Margin % is 34.72. AAVAS Financiers' value of 36.80% is 6% above this industry median. Based on the distribution chart, AAVAS Financiers ranks #749 out of 1528 companies in the Banks industry, which is above the industry midpoint. Overall, AAVAS Financiers has a GF Score™ of 81/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does AAVAS Financiers' Pretax Margin % compare to RKT and FNMA?
According to the Banks industry distribution chart, AAVAS Financiers ranks #749 out of 1528 companies for Pretax Margin %. This puts AAVAS Financiers in the upper half of its industry. The industry median Pretax Margin % is 34.72. AAVAS Financiers' value of 36.80% is 6% above this benchmark. Historically, AAVAS Financiers' own Pretax Margin % has ranged from 29.68 to 44.02 over the past decade. While the company's 10-year median is 37.42 vs. the industry median of 34.72, AAVAS Financiers has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Pretax Margin % for a Banks company?
The median Pretax Margin % among Banks companies is 34.72, based on 1,528 companies in the industry. Companies in the top quartile (top 25%) have a Pretax Margin % significantly above this median, while those in the bottom quartile fall well below. However, Pretax Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. AAVAS Financiers's current Pretax Margin % of 36.80% is 6% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Pretax Margin % mean?
A high Pretax Margin % can signal that a stock is expensive relative to its fundamentals. Pre-Tax margin is the ratio of total pre-tax income to net sales. View historical data on AAVAS Financiers and its competitors. For the Banks industry, the median Pretax Margin % is 34.72 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. AAVAS Financiers's current Pretax Margin % is 36.80%, which is near median its own 10-year median of 37.42. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is AAVAS Financiers stock overvalued right now?
Based on GuruFocus' analysis, AAVAS Financiers (NSE:AAVAS) is currently considered Possible Value Trap. The stock's GF Value™ is ₹2,155.44, compared to a current price of ₹1,518.30 — trading 29.6% below its estimated fair value. The current Pretax Margin % is 36.80%, which is near median its 10-year median of 37.42 and 6% above the Banks industry median of 34.72. AAVAS Financiers' overall GF Score™ is 81/100 with 5 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Pretax Margin % calculated?
Pretax Margin % is calculated from a company's financial statements. For AAVAS Financiers (NSE:AAVAS), the current Pretax Margin % is 36.80% as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is AAVAS Financiers (NSE:AAVAS) Overvalued in 2026?
Based on GuruFocus' analysis, AAVAS Financiers stock appears to be undervalued.
The current stock price of ₹1,518.30 is trading 29.6% below its estimated GF Value™ of ₹2,155.44.
GuruFocus considers AAVAS Financiers to be Possible Value Trap.
Key valuation signals for NSE:AAVAS:
Pretax Margin %: 36.80% (near median its 10-year median of 37.42)
GF Value™: ₹2,155.44 vs. price of ₹1,518.30 (29.6% below fair value)
Industry Position: 6% above the Banks median (#749 of 1528)
No single metric tells the full story. See the NSE:AAVAS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
AAVAS Financiers Ltd is a housing finance company. The company provides housing loans to customers belonging to the low and middle-income and self-employed segments in suburban and rural India. Its only operating segment is Lending to borrowers. The company's product portfolio includes home loans, land purchases and construction, home improvement loans, home equity, micro, small, and medium enterprise loan, and others. It offers customers loans for the purchase or construction of residential properties and the extension and repair of existing housing units.
81GF Score
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